USCB Financial (USCB) EVP reports 35,132-share stock holding

Rhea-AI Filing Summary

USCB Financial Holdings executive vice president of Sales and Marketing Martha Guerra-Kattou reported a disposition coded “F” of 584 shares of Class A voting common stock on January 21, 2026 at $20.38 per share. After this transaction, she beneficially owns 35,132 shares of Class A voting common stock directly.

The reported common share balance includes multiple restricted stock grants that each vest at a rate of one-third per year, with vesting schedules beginning on January 22, 2025, March 8, 2024, October 28, 2025, and January 21, 2026. She also holds options to purchase 40,000 shares of Class A voting common stock at an exercise price of $12.05 per share, which vested one-third per year commencing on January 22, 2022 and expire on September 27, 2031.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

GUERRA-KATTOU MARTHA

(Last) (First) (Middle)

C/O USCB FINANCIAL HOLDINGS, INC.

2301 N.W. 87TH AVENUE

(Street)

DORAL FL 33172

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
USCB FINANCIAL HOLDINGS, INC. [ USCB ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EVP, Sales and Marketing

3. Date of Earliest Transaction (Month/Day/Year)
01/21/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Class A Voting Common Stock	01/21/2026		F		584	D	$20.38	35,132(1)	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Options to Purchase Class A Voting Stock	$12.05							09/27/2022(2)	09/27/2031	Class A Voting Common Stock	40,000		40,000	D

Explanation of Responses:

1. Includes 885 shares of restricted stock from a grant of 2,655 shares which commenced vesting at a rate of one-third per year on January 22, 2025, 1,644 shares of restricted stock from a grant of 4,933 shares which commenced vesting at a rate of one-third per year on March 8, 2024, 13,333 shares of restricted stock from a grant of 20,000 shares which commenced vesting at a rate of one-third per year on October 28, 2025 and 3,938 shares of restricted stock from a grant of 5,907 shares which commenced vesting at a rate of one-third per year on January 21, 2026.

2. The options vested at a rate of one-third per year commencing on January 22, 2022.

	/s/ Robert Anderson by P.O.A. for Martha Guerra-Kattou	01/23/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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FAQ

What insider activity did USCB (USCB) report for Martha Guerra-Kattou?

Martha Guerra-Kattou, EVP of Sales and Marketing at USCB Financial Holdings, reported a transaction coded “F” on January 21, 2026 involving 584 shares of Class A voting common stock at $20.38 per share, and updated her beneficial ownership.

How many USCB (USCB) common shares does Martha Guerra-Kattou own after the transaction?

Following the reported transaction, Martha Guerra-Kattou beneficially owns 35,132 shares of USCB Financial Holdings Class A voting common stock directly, including multiple restricted stock awards subject to vesting schedules.

What stock options does Martha Guerra-Kattou hold in USCB (USCB)?

She holds options to purchase 40,000 shares of USCB Financial Holdings Class A voting common stock at an exercise price of $12.05 per share. These options vested one-third per year commencing on January 22, 2022 and expire on September 27, 2031.

What are the vesting terms of Martha Guerra-Kattou’s USCB restricted stock?

Her reported holdings include several restricted stock grants that each vest at a rate of one-third per year, with vesting schedules beginning on January 22, 2025, March 8, 2024, October 28, 2025, and January 21, 2026, as described in the footnotes.

What is Martha Guerra-Kattou’s role at USCB Financial Holdings (USCB)?

Martha Guerra-Kattou is reported as an officer of USCB Financial Holdings with the title Executive Vice President, Sales and Marketing, and the filing is made for one reporting person.

Was the USCB (USCB) insider transaction a direct or indirect holding for Martha Guerra-Kattou?

The filing shows that both the 35,132 shares of Class A voting common stock and the 40,000 stock options are held with direct ownership, with no indirect ownership nature described in the footnotes.